Each month, I schedule SMALL automatic transfers from my checking account into savings for college, taxes, vacation, etc. I schedule the transfers for the day after my paycheck is deposited, so saving takes priority over any purchases. I'm always surprised how fast these auto transfers add up!

I read somewhere that when you use half as much of anything, you're earning 50% on your money. No bank accounts pay that kind of interest! So I tear my dryer sheets in half when I do laundry and get two loads out of each. Our clothes are just as soft and smell just as good.

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